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Charmel Flemming is the founder and CEO of FTwelve, a bookkeeping and accounting services company offering small and medium businesses administrative and accounting support using cloud technologies. She is also a non-executive director who serves on several board positions to bring an independent perspective to decision-making and function as a “critical friend” while acting in […]

I am a registered Chartered Accountant with the South African Institute of Chartered Accountants. The first decade after qualifying was spent gaining experience in large corporate businesses. After longing for a new challenge, I recognized the exciting opportunities that technology was opening up in the accounting field. As the daughter and wife of entrepreneurs, I

Are you an entrepreneur or small business owner who feels like there aren’t enough hours in the day? Do you feel so bogged down with daily tasks that you can’t get around to implementing strategic plans in your business? Do the phrases “accounting”, “tax submission”, “compliance”, “forecast” make your skin crawl? Don’t worry; this is

As I moved gently into 2021, I was extremely aware of the negativity surrounding the impact 2020 would have on us. It was, by all accounts an unprecedented year! My husband and I each run our own businesses from home. We have two daughters aged four and seven. 2020 encouraged us to work smarter and

Adapt or die. That was the theme for businesses throughout 2020 and 2021. If it has taught us anything, it’s that businesses and companies who took the chaos, uncertainty and vulnerability of the last two years and turned it into opportunities to learn, pivot and regroup were the real survivors of the pandemic onslaught. Numerous

Factual information is the key to intelligent decision making, especially in business. As a small business owner, you need to measure your company’s performance to plan for the upcoming period, and having your financial statement and management accounts up to date is key to this. In this article, we explore the purpose of financial information

Hi, I am Charmel Flemming, CEO and founder of F Twelve. F Twelve is founded on the premise of using innovative cloud-based accounting technologies to provide real-time and relevant information to clients. As an outsourced cloud-based accounting company, we are committed to solving the challenges many small and medium business owners face. This goes beyond